Session 5 HDFC-JOINT CERTIFICATION PROGRAMME HDFC-IBS Mumbai
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HDFC BANKWe Understand Your World
INTRODUCTION HDFC Bank was incorporated in
August 1994 Among the first in new generation
commercial banks Registered office in Mumbai, India Promoted by HDFC, the parent
company IPO in India in 1995 Listed in NSE, BSE, NYSE (ADR)
VISION Increase market share in India’s banking sector
Leverage technology platform Maintain standards for asset quality
Focus on high earnings growth with low volatility
Develop innovative products and services
MISSION mission is to be "a World Class Indian
Bank“
benchmarking ourselves against: international standards and best practices in terms of product offerings,
technology, service levels, risk management and audit & compliance.
VALUES Our business philosophy is based on
four core values – Customer Focus, Operational Excellence, Product Leadership and People.
STRENGTH Large share of low-cost deposits,
higher net interest marginBetter quality of assets, NPA of 0.4 per centFree float available, FIIs can buy its stockHigher profitability
weakness Marginal international presence
No next line of leadershipNot very aggressive in M&A space, growing only organicallyPossible takeover target
Opportunity Growing Indian banking sector People are becoming more service
oriented In the global market.
Threats From various competitors
- Foreign Banks- Government Banks
Future market trends
PEST POLITICAL FACTORS
Government Regulation
Stable constituency
Fiscal policy
ECONOMIC FACTORS: Market performance
Global Standards
Inflation
SOCIAL FACTORS Community initiatives
Income
Technology factorsThis is the era of information technology and due to net banking, online transaction, online RTGS, clearing system helps the industry a lot.
MarketingAdvertisingMarketing automation technologyBusiness ki baateinBrandingemotional bond
treat consumers with grace, trust and professional service
Sales support
Subsidiaries
SalesMulti-channel managmentaward for atm solutions and management along with NCRThe asian banker technology award
Market expansionRural marketsGlobal markets(bahrain)
Product Product offeringIt includes these services: -· Saving accounts.· Current accounts.· Fix deposits.· Demat account.· Safe deposits lockers.
Product expansion: different kinds of laons,different kind of credit cards etc.
TransactionPayment services:netsafe,visa money transfer,merchant services etc.ClearingSettlements
Technological developmentautomated customer data de-duplication and real-time scoring in its loan origination process.
introduced faster ATMs which enabled the customer a faster servicing experience by through the use of advanced technology
Sophisticated automated switch-over and switch-back solutions
Human resourcesTotal number of employees is approximately 51388 as of march 2010
training is done through external as well as internal faculty
Infrastructure:It has the best IT infrastructure.
It has approximately more than 4000 branches all over the country.
Risk management guidelinesThe identification, measurement, monitoring and management of risks accordingly remain a key focus area for the Bank.
Basel II norms carried out
Credit risk is of two types :retail and wholesale
PORTERS FIVE FORCES
Competitors sizeLast Price Market Cap.
(Rs. cr.)Net Interest
IncomeNet Profit Total Assets
ICICI Bank 976.40 108,913.39 25,706.93 4,024.98 363,399.71
HDFC Bank 2,087.55 95,962.73 16,172.91 2,948.69 183,270.78
Axis Bank 1,328.20 54,184.44 11,638.02 2,514.53 180,647.87
Kotak Mahindra 829.30 30,303.99 3,255.62 561.11 37,436.31
YES BANK 321.00 10,946.75 2,369.71 477.74 36,382.50
IndusInd Bank 223.75 9,197.47 2,706.99 350.31 35,369.52
Federal Bank 330.20 5,644.58 3,673.23 464.55 38,850.88
JK Bank 875.05 4,242.05 3,056.88 512.38 42,546.80
ING Vysya Bank 344.80 4,139.22 2,232.90 242.22 33,880.24
Karur Vysya 608.70 3,313.49 1,757.94 336.03 21,993
Strategy deploid by HDFC Bank Merger with other banks Acquisition strategy Customer retention strategy.
Views as a manager We think that the infrastructure of
hdfc bank should be inproved so as to match upto icici bank.
We dont think there are any flaws to be corrected in hdfc bank.